What SBA's own loan files show about lending in the Findlay, OH Micro Area, every asset class together, and what a feasibility study for a project there has to test.
Findlay is a micropolitan area, Hancock County in the data, with 172 SBA approvals for FY2017 to FY2026 and $70.9 million gross, rank 344 of 928; 166 are 7(a) and only 6 are 504. Findlay has a median loan of $80,000. Findlay stands at 0.38x the national figure; in Findlay, half of loans run $32,750 to $345,875. Brands hold 15.1% of the count.
Findlay's asset table runs full-service restaurant 12, beauty salon 10 and limited-service restaurant 9, against 123 loans outside the classes. Beauty is the notable class: a salon study should test station utilization, the share of revenue that follows individual stylists, and a short lease. Count was 23 loans and $9.6 million in FY2017, peaked at 29 loans and $10.3 million in FY2022, fell to 7 loans and $1.1 million in FY2020, and ended at 8 loans and $1.1 million in FY2026.
The Huntington National Bank holds 108 loans and $20.6 million under 7(a), a very large share for one bank, and WesBanco Bank, Inc. holds 19 loans and $10.1 million. Findlay's 504 side names no lender, as only 6 loans fall under that program. Findlay lender figures are SBA's records. Findlay names hold or held those loans. Findlay counts show volume only, and Findlay counts judge no lender or requirement.
Findlay cancellations after approval reached at least 12.8%. Findlay approvals span FY2017 to FY2024. Findlay reaches 19.6% when undisbursed loans count. In Findlay, 65 funded loans show charge-offs. Findlay floors them at 7.7% or more. Findlay has 7.7% within five years. Every Findlay rate here is a floor, as open Findlay loans may move it. Findlay follows county placement. Findlay matches each project's county by name. Findlay then applies the July 2023 delineation. Findlay leaves out loans with unplaceable counties, and Findlay counts all approvals, named or not. Findlay's cancellation ceiling is 19.6%, a wide gap above its floor, so a good many loans were approved but never disbursed; a study should confirm that this borrower's project is ready to proceed, with permits, financing and closing dates firm. Daniel Smith, MAI, names each Findlay study. Findlay studies are prepared by Loan Analytics.
| Loans approved, FY2017 to FY2026 | 172 |
|---|---|
| Gross dollars approved | $70.9 million |
| Median loan | $80,000 |
| Middle half of loans, from | $32,750 |
| Middle half of loans, to | $345,875 |
| SBA 7(a) loans | 166 |
| SBA 504 loans | 6 |
| Franchise share of loans | 15.1% |
| Rank among metro and micro areas by loans | 344 of 928 |
| Median loan against the national median | 0.38x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 12.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 19.6% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 7.7% |
| Charged off within five years of approval | 7.7% |
| Loans in that cohort | 65 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA loans approved in the Findlay, OH Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 23 | $9.6 million |
| FY2018 | 23 | $13.5 million |
| FY2019 | 14 | $5.7 million |
| FY2020 | 7 | $1.1 million |
| FY2021 | 9 | $4.7 million |
| FY2022 | 29 | $10.3 million |
| FY2023 | 24 | $7.9 million |
| FY2024 | 19 | $3.0 million |
| FY2025 | 16 | $14.2 million |
| FY2026 | 8 | $1.1 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 123 |
| Full-service restaurant | 12 |
| Beauty salon | 10 |
| Limited-service restaurant | 9 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 108 | $20.6 million |
| WesBanco Bank, Inc. | 19 | $10.1 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
| County | Loans |
|---|---|
| Hancock County, OH | 172 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-22300.
A worked example of the feasibility study a lender would read for a glamping resort project in Ohio, financed with a USDA Business and Industry guaranteed loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Findlay, OH Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Start with the data.
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